Scott Mayo

• Led the development and daily operations of the compliance department, which helped streamline workflows and enhance the Corporate Compliance plan, ultimately improving regulatory adherence across the organization.
• Investigated AML, Sanctions, and FinCEN matches while conducting Enhanced Due Diligence (EDD) reviews, which minimized high-risk exposures during client onboarding and safeguarded the company's reputation.
• Managed State Licensing by staying updated on jurisdictional requirements, ensuring 100% compliance in both manual and digital licensure processes, which protected the company from potential legal issues.
• Collaborated with the Risk Manager to develop control test scripts, effectively addressing control weaknesses and enhancing the overall risk management framework within the organization.
• Collaborated with cross-functional teams, integrating compliance considerations into business decisions.
• Partnered closely with legal counsel on matters related to investigations or enforcement actions, ensuring appropriate resolutions were achieved promptly without compromising business operations or reputation within the industry space.
• Advised division leaders of regulatory risks in business processes and provided recommendations for improvement.

• Maintained an up-to-date knowledge base of key legislation and evolving best practices relevant to the field of compliance management.
• Identified gaps in existing compliance processes and recommended updates.
• Served as a subject matter expert on regulatory requirements during system implementations and process improvements projects, ensuring seamless integration into existing workflows.
• Investigated AML, Sanctions, and FinCEN matches, escalating findings when necessary, which strengthened our compliance checks and mitigated potential financial risks.
• Developed and led company-wide Compliance Risk assessments, aligning with regulatory frameworks, which enhanced our oversight and improved our overall compliance posture.
• Administered complaint processes, ensuring timely and accurate resolutions for customer grievances resulting in a 30% improvement in average response time
• Collaborated with cross-functional teams to ensure consistent application of compliance standards across all business units which resulted in a 25% reduction in control testing breaks
• Enhanced regulatory compliance by developing and implementing comprehensive policies and procedures such as the Corporate Training Policy, Limited English Proficiency Compliance Policy, Customer Data Handling and Privacy Policy

• Led Supervisory Quality Control reviews, which ensured that our global operations met regulatory standards for AML, Sanctions, and FinCEN, ultimately reducing compliance risks.
• Acted as the designated QC Subject-Matter Expert for OFAC investigations, enhancing our process efficiency by 30%, which allowed us to resolve cases more quickly.
• Calibrated with business partners to maintain open feedback loops, helping to proactively address decision challenges and streamline our operations.
• Collaborated with senior leadership to adjust defect categories, aligning them with approved risk tolerances, which improved our risk management strategies.
• Managed case review allocations, ensuring timely completion within SLA cycles, which contributed to improved workflow and accountability across the team.

• Led sales and business development initiatives, which significantly enhanced branch performance and boosted customer satisfaction by actively engaging with clients.
• Conducted competency-based training sessions, improving team skills in banking products and policies, which resulted in a more knowledgeable and effective staff.
• Oversaw compliance audits to ensure operational integrity and adherence to security standards, which helped maintain trust and confidence among clients.
• Originated consumer loans, facilitating tailored financial solutions for clients, which contributed to meeting branch revenue goals.
• Assisted with mortgage inquiries, providing support to the regional loan officer in client engagements, which strengthened customer relationships and streamlined the loan process.
• Optimized customer experience by delivering superior services and effectively troubleshooting issues.
• Evaluated staff performance and provided coaching to address inefficiencies.
• Motivated team members to surpass their targets, recognizing and rewarding their achievements.

• Process owner and site lead of the team which investigated client profiles flagged as delinquent or non-compliant with US AML/ KYC requirements
• Worked directly with Sales & Trading desk, Global Compliance teams and documentation team to understand and address any client sensitivity, timeline and the AML/ KYC requirements aligned with client profile prior to team performing any outreach to the client
• Conducted first-line reviews of completed North America cases to ensure correctness, regulatory soundness, and adherence to firm policies
• Trained and supported new team members, maintaining culture of collaboration.

• Developed strong relationships with stakeholders through regular communication updates, fostering trust and confidence in the team''s ability to deliver results.
• Ran project book for the development and rollout of the automated reporting of the bank's multi-billion dollar syndicated loan portfolio to the Federal Reserve Bank of New York
• Monitored progress against established goals, adjusting schedules and resources as needed to keep projects on track.
• Ran project book for the design and conversion of collateral safekeeping and secure document storage from a vendor dependent process to an in-house proprietary tech solution for the bank's IPO desk and corporate relationship lending businesses
• Spearheaded risk review of in-house mortgage servicing and transfer process which identified deficiencies in collateral reconciliation and verification, improper handling of misdirected payments and negotiable instruments, policy violation of manually overriding automated servicing rights transfer process without proper authorization leading to improper timing for servicing notice delivery and potential breaks in interest calculations and overstated fees
• Managed incoming project pipeline by vetting new incoming project requests for viability, desired/ net improvement outcome, budget and if solution already existed
• Successfully managed multiple projects simultaneously by prioritizing tasks according to urgency, resource availability, and alignment with organizational goals.

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• Closed and approved funding of corporate syndicated and bilateral lending deals for primary, par and distressed debt in firm/ market trading systems ensuring AML, KYC, Tax and remittance details for Borrower, Agent, Investors and downstream loan participants met all legal, market, jurisdictional, regulatory, in-house requirements and stipulated terms in executed credit agreement.
• Worked closely with syndicated loan agency and servicing team on approving borrowing requests/ repayments, interest payments, onboarding new loan participations and deal take-downs
• First line of defense responsible for ensuring AML/ KYC requirements were met on institutional customers and counterparties booked under it's U.S. chartered bank (Morgan Stanley Bank, N.A.) for its Merger & Acquisition, IPO and Relationship lending business along with the bank's Mortgage Backed Securities and Institutional Letters of Credit businesses